Understanding Your Accident-Related Medical Bills | Indianapolis Personal Injury Claim Attorney

An experienced personal injury lawyer will advise you about your medical billsCall Charlie Ward at 317-639-9501

When you’re injured in an auto, motorcycle or trucking accident, a run to the hospital by ambulance, follow-up medical care and therapy can wreak chaos on your finances. An injury requiring a single trip to the hospital will likely generate separate billings from a number of unique healthcare providers as follows:

  • Ambulance
  • Hospital – ER/room charges, tests, blood work, drugs and supplies; may also include x-rays / imaging
  • ER Doctor – Diagnosis and recommendations
  • Radiology – Radiologist charges for reading films / images

Since every accident with injury requires a customized medical approach, your bills may not mirror the sample charges listed above.

As the bills begin to arrive in the mail, the first statement you’ll probably receive will come from the hospital provider and will reflect the total charges to date. If you have health insurance, you may be instructed “not to pay” from the first statement. This is an indication that they have forwarded the statement of charges to your health insurance company and together they will hash out the final charges based upon the contract between the provider and your insurance company.

Shortly thereafter you will either receive an Explanation of Benefits (EOB) from your insurance company in the mail or one will be made available to you online. Your EOB will reflect the original provider charges minus a negotiated “discount” from your health insurance company. This reflects the amount reduced from your bill based upon the insurance company’s contracted rates for the unique services you received. At this time, your deductions will be reflected on your EOB as well as any split, you may have with your insurance provider, i.e. 80/20; 90/10, leaving you with the out-of-pocket charges owed to the medical provider.

It is important that you give your personal injury lawyer all EOB’s from your insurance company that reflect medical charges pertaining to the accident.

Your attorney will work to recover your out-of-pocket expenses on your behalf through the Collateral Source Statute, IC 34-44-1, allowing proof of the amount of money Plaintiff is required to repay into evidence. Your explanation of benefits will outline the amounts owed by you personally to the providers after all amounts have paid on your behalf and all discounts taken.

Experienced injury lawyers will advise you about your medical bills

The law firm of Ward & Ward has over 85 years of combined experience in breaking down the facts of a personal injury claim and working with insurance companies on behalf of their clients. If you have been injured in an automobile, trucking, motorcycle, or bicycle accident, please feel free to call me at
317-639-9501 for a free consultation.

Drowning | Indianapolis Traumatic Brain Injury Attorney

Some summers ago I witnessed a toddler who was unaware of the perils of an Call Charlie Ward at 317-639-9501azure pool — quietly and generally unnoticed, go ambling into the water while her mother was momentarily distracted. Below the surface, the child’s face was without fear as she floundered in silence, her small arms and baby legs calmly and quietly treading, searching for a pocket of fresh air. Meanwhile, above the surface there was no indication that this child was suffocating. There were no pleas for help, no flailing of arms and no commotion of any kind from the toddler. Before I could come to her aid, her mother caught sight of the situation and rescued the child. As in any stressful situation, a moment in time can seem like an eternity and after the danger has past, the most detailed of events can be recalled in slow motion. Such was my experience. But the most troubling aspect of the incident and the thing that I have taken away, was the quiet calm of a child jeopardized by silence.

The Center for Disease Control has found:

  • Fatal drownings remain the second leading cause of unintentional injury-related death for children ages 1 – 14 – second only to motor vehicle crashes
  • 1 in 5 children who are treated for drowning in ERs, die
  • More than half of drowning victims treated in ERs require hospitalization for further care and treatment, i.e. brain damage from oxygen deprivation resulting in memory problems, learning disabilities and a loss of basic functioning.

The damage associated with oxygen deprivation and brain injuries can be irreversible depending upon many factors including the age and health of the individual. Immediate and on-site resuscitation is the key to increasing survival chances without brain damage.

With high temperatures looming over Indiana this summer and record heat waves, many Hoosier parents and their children are seeking relief from the heat in water parks, rivers, lakes and pools. Adult supervision and a certified swim program can prepare you and your family for the water and the hazards associated with water play.

The Brain Injury Attorneys

If you or someone you know has been in an accident and brain injury is involved, an attorney experienced in personal injury matters involving traumatic brain injuries may suggest a neuropsychological evaluation. Ward & Ward Law Firm has over 80 years of combined experience in personal injury and wrongful death cases. The law firm of Ward & Ward receives no fee unless you recover for your injuries. Call Charlie Ward today for a FREE consultation.